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Personal Loans FAQs

Do I have to pay any fees upfront?

For our Personal Loans, TFS charge an acceptance fee of £295.00. We do not charge any hidden fees.

This fee does not have to be paid up front and is included in your total amount repayable and monthly repayments. When you make your application, our Loan Slider shows you the full breakdown of the loan you are applying for, which is inclusive of this fee.

In the rare instance that you change your mind about your loan after completing, you are free to cancel the application within 14 days.
You will not be charged this acceptance fee.

Whilst there are no set charges, it is worth noting that you are liable to incur some interest which runs from the day the loan was paid out until we receive the money back from you as cleared funds.



Loans are subject to status and affordability. *Consolidating debts may increase the term and the total amount payable.

Before entering into any credit agreement please make sure you can afford the monthly repayments, we recommend that you seek independent advice if you are unsure of any of the terms of our agreement. There may be other taxes or costs, not paid through us or charged by us, that you have to pay in connection with the agreement.

Late repayments can cause you serious money problems. For help go to

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